Sometimes insurance companies (i.e. Geico, Progressive) that insure you over the phone will give you an INITIAL quote, which sounds pretty good. But then they'll look up your record and that quote will change. So be sure the prices you're getting are the exact price you're paying when you sign on that dotted line, you could check insurancepaylite.com Like a good neighbor, they'll give rebates to their customers if claims are down for a given year.